Systemized blockchain reconciliation in a hybrid distributed network ecosystem

ABSTRACT

A method for use in a hybrid network ecosystem comprising an enterprise network and a reconciliation network is presented. The method comprises generating, by at least one first computing node in the enterprise network or the reconciliation network, a first digital facilitator, wherein the first digital facilitator provides one or more parameters for accessing or distributing data on a distributed ledger in the enterprise network, and wherein a private key is used for performing a computing operation, based on the data, in the enterprise network. The method also comprises generating, by the at least one first computing node in the enterprise network or the reconciliation network or at least one second computing node in the enterprise network or the reconciliation network, a second digital facilitator, wherein the second digital facilitator provides the one or more parameters for accessing or distributing the data in the reconciliation network.

CROSS-REFERENCE TO RELATED APPLICATION

This application claims the benefit of U.S. Provisional PatentApplication No. 62/786,202, filed Dec. 28, 2018, which is incorporatedby reference herein in its entirety for all purposes.

TECHNICAL FIELD

This disclosure generally relates to distributed ledgers orblockchain-based systems.

BACKGROUND

There is a need for a blockchain-based ecosystem developed fortransparency, not anonymity, which is the hallmark of most blockchainsolutions.

SUMMARY

In some embodiments, a method is provided for use in a hybrid networkecosystem comprising an enterprise network and a reconciliation network,the method comprising: generating, by at least one first computing nodein the enterprise network or the reconciliation network, a first digitalfacilitator, wherein the first digital facilitator provides one or moreparameters for accessing or distributing data on a distributed ledger inthe enterprise network, wherein a private key is used for performing acomputing operation, based on the data, in the enterprise network; andgenerating, by the at least one first computing node in the enterprisenetwork or the reconciliation network or at least one second computingnode in the enterprise network or the reconciliation network, a seconddigital facilitator, wherein the second digital facilitator provides theone or more parameters for accessing or distributing the data in thereconciliation network.

In some embodiments, the computing operation comprises a distributedledger-based computing operation.

In some embodiments, the first digital facilitator comprises an issuancedigital facilitator.

In some embodiments, the second digital facilitator comprises areconciliation digital facilitator.

In some embodiments, the one or more parameters comprises time-basedparameters, geographical or network location-based parameters,identity-based parameters, or amount-based parameters.

In some embodiments, the method further comprises preventingunauthorized access to the data in the enterprise network or thereconciliation network.

The method of claim 6, wherein the unauthorized access is determinedbased on a private key provided for gaining access to the data.

In some embodiments, the computing operation comprises a digitaltoken-based computing operation.

In some embodiments, the first digital facilitator or the second digitalfacilitator is used to generate a digital token, wherein the digitaltoken enables the computing operation.

In some embodiments, the computing operation comprises anasset-transferring computing operation.

In some embodiments, the at least one first computing node or the atleast one second computing node comprises an artificially intelligentcomputing node.

In some embodiments, the at least one first computing node or the atleast one second computing node executes a machine learning operation.

In some embodiments, the distributed ledger is associated with ablockchain system.

In some embodiments, a method is provided for use in a hybrid networkecosystem comprising an enterprise network and a reconciliation network,the method comprising: generating, by at least one first computing nodein the enterprise network or the reconciliation network, a first digitalfacilitator, wherein the first digital facilitator enables a firstdevice to use a private key to access data associated with a distributedledger transaction; and transmitting, via the reconciliation network,the data from the first computing device to a second computing device,wherein the first computing device and the second computing device areconnected via the reconciliation network.

In some embodiments, the second device is or is not part of theenterprise network.

In some embodiments, the data associated with the distributed ledgertransaction is transparent to the second computing device.

In some embodiments, the method further comprises generating, by the atleast one first computing node in the enterprise network or thereconciliation network or at least one second computing node in theenterprise network or the reconciliation network, an issuance digitalfacilitator, wherein reconciliation information associated with theissuance digital facilitator is extracted or received by the firstcomputing device, wherein the reconciliation information associated withthe issuance digital facilitator sets parameters for the distributedledger transaction.

In some embodiments, a method is provided for use in a hybrid networkecosystem comprising an enterprise network and a reconciliation network,the method comprising: generating a private key for a user or device inthe enterprise network or the reconciliation network; associatingidentification information associated with the private key or associatedwith a custodian of the private key, wherein the identificationinformation enables initiation or execution of one or more distributedledger-based computing transactions in the enterprise network or thereconciliation network; and generating, by the at least one firstcomputing node in the enterprise network or the reconciliation networkor at least one second computing node in the enterprise network or thereconciliation network, an issuance digital facilitator, whereinparametric information associated with the issuance digital facilitatoris applied to the one or more distributed ledger-based computingtransactions in the enterprise network or the reconciliation network.

In some embodiments, the identification information enables tracking ofinformation associated with the one or more distributed ledger-basedcomputing transactions in the enterprise network or the reconciliationnetwork.

In some embodiments, a method associated with an asset-backed networktoken for use in a distributed ledger associated with a hybrid networkecosystem comprising an enterprise network and a reconciliation networkcomprises: generating, by at least one computing node in thereconciliation network, a network token, the network token associatedwith a physical asset, the physical asset being stored in a physicalentity, the network token being transferable in the enterprise network;generating, by the at least one computing node in the reconciliationnetwork, a digital contract associated with the network token or thegeneration of the network token, the digital contract enabling atransaction between a first computing node in the enterprise network anda second computing node in the enterprise network, the transactioncomprising a transfer of the network token between the first computingnode and the second computing node; and reconciling, by the at least onecomputing node in the reconciliation network, and in the distributedledger, the transfer of the network token between the first computingnode in the enterprise network and the second computing node in theenterprise network. In some embodiments, any transaction or computingoperation or network token does not need to be backed by an asset.Therefore, any transaction or computing operation or network tokendescribed as being asset-backed may not be asset-backed in someembodiments.

In some embodiments, the method further comprises providing a digitalwallet to a computing device associated with the first computing node orthe second computing node, the digital wallet enabling initiation of thetransaction between the first computing node and the second computingnode. As used herein, a wallet may refer to any type of digital storageor repository.

In some embodiments, the digital wallet enables generation of a code foruse in initiating the transaction between the first computing node andthe second computing node.

In some embodiments, the code comprises a QR code. Alternatively, thecode may be any other type of code.

In some embodiments, the transaction between the first computing nodeand the second computing node comprises a wireless transaction.

In some embodiments, the digital wallet provides a dashboard forenabling viewing information associated with the reconciling.

In some embodiments, the digital wallet comprises a mobile wallet.

In some embodiments, the digital contract comprises a smart contract.

In some embodiments, the method further comprises generating at leastone instance of the reconciliation.

In some embodiments, the method further comprises storing the at leastone instance of the reconciliation in a local database associated withthe enterprise network.

In some embodiments, the method further comprises storing the at leastone instance of the reconciliation in a local database associated withthe reconciliation network.

In some embodiments, the method further comprises transmitting the atleast one instance of the reconciliation to one or more nodes locatedinside or outside of at least one of the enterprise network or thereconciliation network.

In some embodiments, the reconciliation network comprises atoken-issuing or token-generating network.

In some embodiments, the at least one computing node in thereconciliation network comprises an intelligent computing node.

In some embodiments, at least one of the first computing node or thesecond computing node comprises at least one of a mobile computingdevice or a non-mobile computing device.

In some embodiments, a key associated with at least one of the networktoken, the generation of the network token, the generation of thedigital contract, the transfer of the network token, or thereconciliation of the network token is at least one of recoverable,traceable, storable, or transmittable to at least one entity.

In some embodiments, the key comprises a public key.

In some embodiments, the key comprises a private key.

In some embodiments, information associated with at least one of thenetwork token, the generation of the network token, the generation ofthe digital contract, the transfer of the network token, or thereconciliation of the network token is at least one of recoverable,traceable, storable, or transmittable to at least one entity.

In some embodiments, another method associated with an asset-backednetwork token for use in a distributed ledger associated with a hybridnetwork ecosystem comprising an enterprise network and a reconciliationnetwork comprises: generating, by at least one computing node in thereconciliation network, a network token, the network token associatedwith a digital asset, the network token being transferable in theenterprise network; generating, by the at least one computing node inthe reconciliation network, a digital facilitator associated with thenetwork token or the generation of the network token, the digitalfacilitator enabling or governing a transaction between a firstcomputing node in the enterprise network and a second computing node inthe enterprise network, the transaction comprising a transfer of thenetwork token between the first computing node and the second computingnode; and processing, by the at least one computing node in thereconciliation network, and in the distributed ledger, the transfer ofthe network token between the first computing node in the enterprisenetwork and the second computing node in the enterprise network.

In some embodiments, the digital facilitator comprises a smart contract.

In some embodiments, the digital facilitator comprises computingprotocol.

In some embodiments, the digital facilitator comprises computingprotocol customized for at least one of the enterprise network or thereconciliation network.

In some embodiments, the digital facilitator comprises digitalverification information.

In some embodiments, another method associated with an asset-backednetwork token for use in a distributed ledger associated with a hybridnetwork ecosystem comprising an enterprise network and a reconciliationnetwork comprises: generating, by at least one computing node in thereconciliation network, a network token, the network token associatedwith a physical asset, the physical asset being stored in a physicalentity, the network token being transferable in the enterprise network;generating, by the at least one computing node in the reconciliationnetwork, a digital facilitator (or enabler) associated with the networktoken or the generation of the network token, the digital facilitatorenabling a transaction between a first computing node in the enterprisenetwork and a second computing node in the enterprise network, thetransaction comprising a transfer of the network token between the firstcomputing node and the second computing node, the transfer of thenetwork token between the first computing node and the second computingnode not causing transfer of the physical asset; and processing orreconciling, by the at least one computing node in the reconciliationnetwork, and in the distributed ledger, the transfer of the networktoken between the first computing node in the enterprise network and thesecond computing node in the enterprise network.

In some embodiments, another method associated with an asset-backednetwork token for use in a distributed ledger associated with a hybridnetwork ecosystem comprising an enterprise network and a reconciliationnetwork comprises: generating, by at least one computing node in thereconciliation network or the enterprise network, a network token, thenetwork token associated with a physical asset, the physical asset beingstored in a physical entity, the network token being transferable in atleast one of the enterprise network or the reconciliation network;generating, by the at least one computing node in the reconciliationnetwork or the enterprise network, a digital facilitator associated withthe network token or the generation of the network token, the digitalfacilitator enabling a transaction between a first computing node in theenterprise network and a second computing node in at least one of theenterprise network or the reconciliation network, the transactioncomprising a transfer of the network token between the first computingnode and the second computing node, the transfer of the network tokenbetween the first computing node and the second computing node notcausing transfer of the physical asset; and processing or reconciling,by the at least one computing node in the reconciliation network or theenterprise network, and across the distributed ledger, the transfer ofthe network token between the first computing node in the enterprisenetwork and the second computing node in the enterprise network.

In some embodiments, the method further comprises compiling dataassociated with the distributed ledger.

In some embodiments, the method further comprises compiling dataassociated with the processing or reconciling step into a smartcontract, wherein the smart contract is stored across the distributedledger.

In some embodiments, the method further comprises coding data associatedwith the processing or reconciling step into a smart contract, whereinthe smart contract is stored across the distributed ledger.

In some embodiments, the method further comprises using an artificialintelligence (AI) engine to process the coded data. In some embodiments,AI can be used to process any data or transactions described herein.

In some embodiments, the method further comprises coding data associatedwith the processing or reconciling step into a digital facilitator,wherein the smart contract is stored across the digital facilitator.

In some embodiments, a method is provided associated with anasset-backed network token for use in a distributed ledger associatedwith a hybrid network ecosystem comprising an enterprise network and areconciliation network, the method comprising: generating, by at leastone computing node in the reconciliation network or the enterprisenetwork, a network token, the network token being transferable in atleast one of the enterprise network or the reconciliation network;determining a user in a geographical location is an approved user forexecuting computing transactions in the at least one of the enterprisenetwork or the reconciliation network, the approved user beingassociated with a digital repository comprising or being associated withthe network token; transmitting approval to a computing system in thegeographical location, the computing system interacting with the digitalrepository, the computing system enabling the user to recover a physicalasset in exchange for a computing transaction based on the networktoken, the physical asset being specific to the geographical location;and processing or reconciling, by the at least one computing node in thereconciliation network or the enterprise network, and across thedistributed ledger, the approval enabling the user to recover thephysical asset in exchange for the computing transaction based on thenetwork token.

In some embodiments, the method further comprises generating, by the atleast one computing node in the reconciliation network or the enterprisenetwork, a digital facilitator associated with at least one of thenetwork token, the generation of the network token, or an exchangecomputing transaction based on the network token, the digitalfacilitator enabling the user to recover the physical asset in exchangefor the computing transaction based on the network token.

In some embodiments, the physical asset is based on a real-timecomparison of the network token with a reference physical asset or areference digital asset.

In some embodiments, the physical asset is based on a real-timecomparison of the physical asset with a reference physical asset or areference digital asset.

BRIEF DESCRIPTION OF THE DRAWINGS

The disclosure is illustrated by way of example, and not by way oflimitation in the figures of the accompanying drawings in which likereference numerals are used to refer to similar elements. It isemphasized that various features may not be drawn to scale and thedimensions of various features may be arbitrarily increased or reducedfor clarity of discussion. Further, some components may be omitted incertain figures for clarity of discussion.

FIG. 1 is a schematic diagram illustrating a hybrid system, according tosome embodiments of this disclosure.

FIG. 2 is a schematic diagram associated with a network ecosystem,according to some embodiments of this disclosure.

FIG. 3 is another schematic diagram associated with a network ecosystem,according to some embodiments of this disclosure.

FIG. 4 is another schematic diagram associated with a network ecosystem,according to some embodiments of this disclosure.

FIG. 5 is another schematic diagram associated with a network ecosystem,according to some embodiments of this disclosure.

FIG. 6 is a network diagram associated with the platform driven byspeedchain, according to some embodiments of this disclosure, and acomputing environment that can be implemented anywhere within thenetwork diagram of FIG. 6 or in the computing environment of any otherfigure described herein, according to some embodiments of thisdisclosure.

FIG. 7 is an example diagram of the platform adapted for transactionsbetween entities associated with a healthcare system, according to someembodiments of this disclosure.

FIG. 8 is a siloed architecture of the platform, according to someembodiments of this disclosure.

FIG. 9 shows a single point of information adaptation of the platform,according to some embodiments of this disclosure.

DETAILED DESCRIPTION

FIG. 1 is a schematic diagram illustrating a hybrid system 100,according to some embodiments of this disclosure. The hybrid system maycomprise an enterprise ecosystem or enterprise network. The hybridsystem may further comprise a platform ecosystem or an issuing and/orreconciliation network (“reconciliation network”). Alternatively oradditionally, the hybrid system may further comprise a node, anendpoint, a user, an endpoint computing device, a local or remote userterminal, a mobile computing device such as a mobile phone or tablet, awearable device, etc. The enterprise network and/or the reconciliationnetwork may be associated with, communicate with, and/or comprise one ormore distributed ledgers (e.g., decentralized distributed ledgers)and/or blockchain systems. The enterprise network may include one ormore computing nodes associated with token transaction initiators orreceivers associated with an entity or a product, which can be a digitalor physical product associated with the entity. The reconciliationnetwork may include one or more nodes for issuing or generatingasset-backed network tokens, issuing or generating smart contracts basedon the same, and/or reconciling asset-backed network token transactionsconducted in and/or outside the enterprise network. In some embodiments,one of the nodes in the reconciliation network may be associated with orcomprise an exchange or an exchange computer server. The exchangecomputer server (or a group of servers including those that resideoutside the platform ecosystem and/or enterprise system) may create orissue digital assets or tokens; reconcile, on a periodic basis,transactions involving the digital assets or tokens and/or involvingsmart contracts (or other digital facilitators) based on the digitalassets or token; and provide access to a user interface and/orassociated mobile application (e.g., mobile wallet application) thatenables users associated with nodes on the enterprise ecosystem toexecute transactions (e.g., computing transactions) with each other; andcommunicate information about the reconciliation with other entities.

In some embodiments, the hybrid system and/or the enterprise networkand/or the reconciliation network may be associated with a specificlocation (e.g., geographical jurisdiction such as a country, city,etc.). In such embodiments, computing transactions within the locationwill take place using the digital asset or token such that the computingtransactions occur and/or are reconciled on a distributed ledger orblockchain. In some embodiments, the digital asset or token may bereplaced with a physical asset and computing transactions associatedwith the physical asset may still occur and/or are reconciled on thedistributed ledger or blockchain. The location may alternatively oradditionally be a network location.

In some embodiments, the enterprise network and the reconciliationnetwork may be a single network. In some embodiments, computing nodes(and/or users) are pre-approved to perform certain types of computingtransactions (e.g., based on the type of approval). Smart contracts(e.g., associated with or not associated with digital assets or tokens)may be created and registered/reconciled on the distributed ledger thanenable the computing nodes (or users associated with the computingnodes) to perform those certain types of computing transactions on thedistributed ledger.

In some embodiments, a digital asset or token to physical asset bridgeis provided. In some embodiments, a user or computing node in ajurisdiction may not have or be associated with a physical assetenabling the user to conduct computing transactions in the jurisdiction(or location). However, the user may be a pre-approved user in thehybrid system and/or enterprise network and/or reconciliation network,wherein the hybrid system and/or enterprise network and/orreconciliation network is associated with the jurisdiction. The user mayinteract (e.g., scanning a code or otherwise conducting a wirelesstransaction with a mobile device, etc.) with a computing system in thejurisdiction using the user's mobile wallet such that the computingsystem determines that the user is associated with digital assets ortokens for use in computing transactions (e.g., specific computingtransactions, and/or specific computing transactions associated with thejurisdictions and/or specific computing transactions associated with thehybrid system and/or enterprise network and/or reconciliation network,etc.), and enable conversion of a selected quantity of those digitalassets or token to physical assets for use in these computingtransactions in the jurisdiction. The quantity of physical assetsprovided to the user may be based on a substantially real-timeconversion of the tokens to jurisdiction-specific physical assets (e.g.,based on accessing reference information such as a value of a physicalasset associated with that jurisdiction or a different jurisdiction withrespect to specific physical assets or digital assets or tokens, etc.).

FIG. 2 is a schematic diagram associated with a network ecosystem 200,according to some embodiments of this disclosure. The schematic diagramshows exemplary steps. In some embodiments, a physical asset isdeposited in a secure storage area (e.g., in a physical entity), inexchange for a digital asset or token. A confirmation of the deposit ofthe physical asset is provided by the physical entity to a computerserver associated with an exchange (“exchange computer server”).Subsequently, the exchange computer server (“MOX”) issues a digitalasset or token. The exchange computer server may generate and issuesmart contracts (or other digital facilitators) for use in transactions(e.g., computing transactions or other transactions) associatedinvolving the digital asset or token in and/or outside the enterprisenetwork. In some embodiments, confirmation of issuance of the digitalasset or token is provided on a distributed ledger system or blockchain.In some embodiments, a first digital asset or token (instead of aphysical asset) is deposited in a secure storage (e.g., in a digitalfacility) in exchange for a second digital asset or token.

FIG. 3 is another schematic diagram associated with a network ecosystem300, according to some embodiments of this disclosure. FIG. 3 shows thattransactions in the enterprise network are performed using the digitalasset or token and smart contracts on the blockchain via a mobile walletinitialized on a mobile computing device, computing tablet, ornon-mobile computing device. FIG. 3 also shows that the exchangecomputer server logs transactions and performs reconciliation oftransactions performed by a computing node in the enterprise network.

FIG. 4 is another schematic diagram associated with a network ecosystem400, according to some embodiments of this disclosure. FIG. 4 shows thatthe exchange computer server logs transactions records and transmits (ormakes available) notifications associated with the transactions orreconciliation of the transactions to entities in and/or outside atleast one of the enterprise network, the reconciliation network, or thehybrid network ecosystem. In some embodiments, the reconciliationnetwork may include a remittance network. Any reconciliation processdescribed herein may include remittance as well.

FIG. 5 is another schematic diagram associated with a network ecosystem500, according to some embodiments of this disclosure. In someembodiments, a blockchain network ecosystem is provided. A first usermay use a transaction key associated with the blockchain networkecosystem to perform a first transaction (e.g., a purchase transaction).A second user may use the same transaction key or another transactionkey associated with the blockchain network ecosystem to perform a secondtransaction (e.g., a sale transaction). The first transaction and thesecond transaction may comprise one or more parts of the sametransaction. In some embodiments, a filter may be provided in theblockchain network ecosystem in the form of a smart contract. The filterfacilitates the first and/or the second transaction. The filterfacilitates sending of reconciliation data associated with the firstand/or the second transaction to a “side” reconciliation chain. A “side”reconciliation chain may be provided for each blockchain networkecosystem (or for one or more blockchain network ecosystems). In someembodiments, the “side” reconciliation chain may be used to reconciledata associated with the first and/or the second transaction. The “side”reconciliation chain enables more visibility and utility intotransactions or operations such as the first transaction and/or thesecond transaction. This means that information or data associated withthe first transaction and/or the second transaction may be viewed orobtained by remote servers that have access to any of the systems ornetworks described herein. Therefore, systems and methods in the presentdisclosure may eliminate anonymity or opaqueness associated withtransactions performed in blockchain networks and/or systems.

A computing environment 600 (see FIG. 6) associated with or comprised inany of the entities and/or computing systems (including distributedledger-based systems, blockchain systems, hybrid systems, etc.)described and/or illustrated herein may include general hardware,specifically-purposed hardware, and/or specially purposed-software.

The computing environment may include, among other units, a processor, amemory unit (simply called memory), an input/output (I/O) unit, acommunication unit, a resource allocator, a location determinator, andan API unit. Each of the processor, the memory unit, the I/O unit,and/or the communication unit may include and/or refer to a plurality ofrespective units, sub-units, and/or elements. The various units may beimplemented entirely in hardware, entirely in software, or in acombination of hardware and software. Some of the units may be optional.Any software described herein may be specially purposed software forperforming a particular function. In some embodiments, hardware may alsobe specially purposed hardware for performing some particular functions.Furthermore, each of the processor, the memory unit, the I/O unit, thecommunication unit, and/or the other units, may be operatively and/orotherwise communicatively coupled with each other using a chipset suchas an intelligent chipset. The chipset may have hardware for supportingconnections in the computing environment and connections made toexternal systems from the computing environment. Some of the units maybe comprised in other units. Additionally, some of the units may beoptional. Additionally, one or more units may be coupled or connected(e.g., via a wired or wireless connection) to other units.

The processor may control any of the other units and/or functionsperformed by the units. Any actions described herein as being performedby a processor may be taken by the processor alone and/or by theprocessor in conjunction with one or more additional processors, units,and/or the like. Multiple processors may be present and/or otherwiseincluded in the computing environment. Thus, while instructions may bedescribed as being executed by the processor, the instructions may beexecuted simultaneously, serially, and/or by one or multiple processorsin parallel. In some embodiments, the processor may refer to anymicroprocessor, such as a specially purposed microprocessor. In someembodiments, the processor may refer to any type of processor, includinga digital processor, an analog processor, a mixed analog-digitalprocessor, etc. in some embodiments, the processor(s) may bespecifically designed for use in or associated with distributed ledgersystems, blockchain systems, etc.

In some embodiments, the processor may be implemented as one or morecomputer processor (CPU) chips and/or graphical processor (GPU) chipsand may include a hardware device capable of executing computerinstructions. The processor may execute instructions, codes, computerprograms, and/or scripts. The instructions, codes, computer programs,and/or scripts may be received from and/or stored in the memory unit,the I/O unit, the communication unit, other units, and/or the like. Asdescribed herein, any unit may be utilized to perform any methodsdescribed herein. In some embodiments, the computing environment may notbe a generic computing system, but instead may include customized unitsdesigned to perform the various methods described herein.

In some embodiments, the processor may include one or more other units,which may be operably coupled to each other. Therefore, while the unitsare presented as being separate from the processor, the memory unit, theI/O unit, and the communication unit, in some embodiments, one or moreunits may be located in at least one of the processor, the memory unit,the I/O unit, and the communication unit.

The location determinator may facilitate detection, generation,modification, analysis, transmission, and/or presentation of locationinformation (e.g., of any computing device described herein). Locationinformation may include global positioning system (UPS) coordinates, anInternet protocol (IP) address, a media access control (MAC) address,geolocation information, an address, a port number, a zip code, a servernumber, a proxy name and/or number, device information (e.g., a serialnumber), and/or the like. In some embodiments, the location determinatormay include various sensors, a radar, and/or other specifically-purposedhardware elements for enabling the location determinator to acquire,measure, and/or otherwise transform data of a computing device such as acomputing device into location information. In some embodiments, thelocation determination may be located in the processor.

The resource allocator may facilitate the determination, monitoring,analysis, and/or allocation of computing resources throughout thecomputing environment. As such, computing resources of the computingenvironment utilized by the processor, the memory unit, the I/O unit,the communication unit, and/or any other units of the computingenvironment, such as processing power, data storage space, networkbandwidth, and/or the like may be in high demand at various times duringoperation. Accordingly, the resource allocator may be configured tomanage the allocation of various computing resources as they arerequired by particular units of the computing environment. In someembodiments, the resource allocator may include sensors and/or otherspecially-purposed hardware for monitoring performance of each unitand/or sub-unit of the computing environment, as well as hardware forresponding to the computing resource needs of each unit and/or sub-unit.In some embodiments, the resource allocator may utilize computingresources of a second computing environment separate and distinct fromthe computing environment to facilitate a desired operation. Therefore,in some embodiments any processor may be referred to as a load-balancingprocessor. Any apparatus described herein may be referred to asload-balancing apparatus or server. The term load-balancing may refer toallocation of computing resources to the various units of the computingenvironment.

For example, the resource allocator may determine a number of computingoperations that need to be performed or executed by the computingenvironment. The resource allocator may then determine that the numberof computing resources required by the computing operations meets and/orexceeds a predetermined threshold value. Based on this determination,the resource allocator may determine an amount of additional computingresources (e.g., processing power, storage space of a particularnon-transitory computer-readable memory medium, network bandwidth,and/or the like) required by the processor, the memory unit, the I/Ounit, the communication unit, and/or any sub-unit of the aforementionedunits for enabling safe and efficient operation of the computingenvironment while supporting the number of simultaneous computingoperations. The resource allocator may then retrieve, transmit, control,allocate, and/or otherwise distribute determined amount(s) of computingresources to each unit of the computing environment. In someembodiments, the allocation of computing resources of the resourceallocator may include the resource allocator flipping a switch,adjusting processing power, adjusting memory size, partitioning a memoryelement, transmitting and/or receiving data, controlling one or moreinput and/or output devices, modifying various communication protocols,and/or the like. In some embodiments, the resource allocator mayfacilitate utilization of parallel processing techniques, e.g., forparallel computing operations. A computing operation may refer to anyoperation, function, method, process, etc., described in thisdisclosure. In some embodiments, the resource allocator may be locatedin the processor.

The memory unit and/or any of its sub-units may include distributedledger systems, blockchain systems, random access memory (RAM), readonly memory (ROM), and/or various forms of secondary storage. RAM may beused to store volatile data and/or to store instructions that may beexecuted by the processor and/or any of the other units of the computingenvironment. For example, the data stored may be a command, a currentoperating state of the computing environment and/or any particular unitof the computing environment, an intended operating state of thecomputing environment and/or any particular unit of the computingenvironment, and/or the like. As a further example, data stored in thememory unit may include instructions related to various methods and/orfunctionalities described herein. ROM may be a non-volatile memorydevice that may have a smaller memory capacity than the memory capacityof a secondary storage. ROM may be used to store instructions and/ordata that may be read during execution of computer instructions. In someembodiments, access to both RAM and ROM may be faster than access tosecondary storage. Secondary storage may be comprised of one or moredisk drives and/or tape drives and may be used for non-volatile storageof data or as an over-flow data storage device if RAM is not largeenough to hold all working data. Secondary storage may be used to storeprograms that may be loaded into RAM when such programs are selected forexecution. In some embodiments, the memory unit may include one or moredatabases for storing any data described herein. Additionally oralternatively, one or more secondary databases located remotely from thecomputing environment may be utilized and/or accessed by the memoryunit.

The API unit may facilitate deployment, storage, access, execution,and/or utilization of information associated with APIs of the computingenvironment. Some of the APIs may be particularly designed with regardto distributed ledger systems, blockchain systems, etc. In someembodiments, the API unit may be located in the memory unit, while inother embodiments, the API unit may be located separate from the memoryunit. The API unit may enable the various units of the computingenvironment to communicate with each other and/or perform computingoperations described herein. Accordingly, the API unit may include APIdatabases comprising information that may be accessed and/or utilized byapplications and/or operating systems of other devices and/or computingenvironments. In some embodiments, each API database may be associatedwith a customized physical circuit included in the API unit.Additionally, each API database may be public and/or private, and soauthentication credentials may be required to access information in anAPI database.

Any aspect of the memory unit may comprise any collection andarrangement of volatile and/or non-volatile components suitable forstoring data. For example, the memory unit may comprise random accessmemory (RAM) devices, read only memory (ROM) devices, magnetic storagedevices, optical storage devices, and/or any other suitable data storagedevices. In particular embodiments, the memory unit may represent, inpart, computer-readable storage media on which computer instructionsand/or logic are encoded. The memory unit may represent any number ofmemory components within, local to, and/or accessible by a processor.

The I/O unit may include hardware and/or software elements for enablingthe computing environment to receive, transmit, present data. Forexample, elements of the I/O unit may be used to receive, transmit,present data. In this manner, the I/O unit may enable the computingenvironment to interface with a human user. As described herein, the I/Ounit may include an I/O device. The I/O device nay facilitate thereceipt, transmission, processing, presentation, display, input, and/oroutput of data as a result of executed processes described herein. Insome embodiments, the I/O device may include a plurality of I/O devices.In some embodiments, the I/O device may include one or more elements ofa signal system, a computing device, a server, and/or a similar device.

The I/O device may include a variety of elements that enable a user tointerface with the computing environment. For example, the I/O devicemay include a keyboard, a touchscreen, a touchscreen sensor array, amouse, a stylus, a button, a sensor, a depth sensor, a tactile inputelement, a location sensor, a biometric scanner, a laser, a microphone,a camera, and/or another element for receiving and/or collecting inputfrom a user and/or information associated with the user and/or theuser's environment. Additionally and/or alternatively, the I/O devicemay include a display, a screen, a projector, a sensor, a vibrationmechanism, a light emitting diode (LED), a speaker, a radio frequencyidentification (RFID) scanner, and/or another element for presentingand/or otherwise outputting data to a user. In some embodiments, the I/Odevice may communicate with one or more elements of the processor and/orthe memory unit to execute operations described herein.

The communication unit may facilitate establishment, maintenance,monitoring, and/or termination of communications between the computingenvironment and other systems, units, etc. The communication unit mayfurther enable communication between various units of the computingenvironment. The communication unit may facilitate establishment,maintenance, and/or termination of a communication connection betweenthe computing environment and another device by way of a network ordirectly. For example, the communication unit may detect and/or define acommunication protocol required by a particular network and/or networktype. Communication protocols utilized by the communication unit mayinclude Wi-Fi protocols, Li-Fi protocols, cellular data networkprotocols, Bluetooth® protocols, WiMAX protocols, Ethernet protocols,powerline communication (PLC) protocols, Voice over Internet Protocol(VoIP), other wired or wireless protocols, and/or the like. In someembodiments, facilitation of communication between the computingenvironment and any other device, as well as any element internal to thecomputing environment, may include transforming and/or translating datafrom being compatible with a first communication protocol to beingcompatible with a second communication protocol. In some embodiments,the communication unit may determine and/or monitor an amount of datatraffic to consequently determine which particular network protocol isto be used for transmitting and/or receiving data.

The communication device may include a variety of hardware and/orsoftware specifically purposed to enable communication between thecomputing environment and another device, as well as communicationbetween elements of the computing environment. In some embodiments, thecommunication device may include one or more radio transceivers, chips,analog front end (AFE) units, antennas, processors, memory, other logic,and/or other components to implement communication protocols (wired orwireless) and related functionality for facilitating communicationbetween the computing environment and any other device. Additionallyand/or alternatively, the communication device may include a modem, amodem bank, an Ethernet device such as a router or switch, a universalserial bus (USB) interface device, a serial interface, a token ringdevice, a fiber distributed data interface (FDDI) device, a wirelesslocal area network (WLAN) device and/or device component, a radiotransceiver device such as code division multiple access (CDMA) device,a global system for mobile communications (GSM) radio transceiverdevice, a universal mobile telecommunications system (UNITS) radiotransceiver device, a long term evolution (LIE) radio transceiverdevice, a worldwide interoperability for microwave access (WiMAX)device, and/or another device used for communication purposes.

It is contemplated that the computing elements of the computingenvironment be provided according to the structures disclosed herein maybe included in integrated circuits or chipsets of any type, such as ROM,RAM (random access memory), DRAM (dynamic RAM), and video RAM (VRAM),PROM (programmable ROM), EPROM (erasable PROM), EEPROM (electricallyerasable PROM), EAROM (electrically alterable ROM), caches, and othermemories, and to microprocessors and microcomputers in all circuitsincluding ALUs (arithmetic logic units), control decoders, stacks,registers, input/output (I/O) circuits, counters, general purposemicrocomputers, RISC (reduced instruction set computing), CISC (complexinstruction set computing) and VLIW (very long instruction word)processors, and to analog integrated circuits such as digital to analogconverters (DACs) and analog to digital converters (ADCs), ASICS, PLAs,PALs, gate arrays and specialized processors such as processors (DSP),graphics system processors (GSP), synchronous vector processors (SVP),distributed ledger systems, blockchain systems, and image systemprocessors (ISP) all represent sites of application of the principlesand structures disclosed herein.

In some embodiments, implementation of any unit of any system describedherein is contemplated in discrete components or fully integratedcircuits in silicon, gallium arsenide, or other electronic materialsfamilies, as well as in other technology-based forms and embodiments. Itshould be understood that various embodiments of the invention canemploy or be embodied in hardware, software, microcoded firmware, or anycombination thereof. When an embodiment is embodied, at least in part,in software, the software may be stored in a non volatile,machine-readable medium.

The computing environment may include, but is not limited to, computinggrid systems, distributed computing environments, cloud computingenvironment, distributed ledger systems, blockchain systems, hybridnetwork systems, etc. Such networked computing environments include,hardware and software infrastructures configured to form a virtualnetwork organization comprised of multiple resources which may be ingeographically disperse locations.

In some embodiments, the enterprise network is associated with an entityor a physical product or a digital product, and a node of the enterprisenetwork comprises at least one of a user, a vendor, a supplier, a buyer,a seller, a customer, a transaction initiator, a transaction receiver, ahuman, a robot, a computing device such as an automated computingdevice, etc. In some embodiments, the physical product or asset may be ametal, a non-consumable, a consumable, a plant (e.g., cannabis) orplant-based product or derivative, cash (e.g., associated with aparticular location or currency), a thing, etc. In some embodiments, thedigital product may be a pure digital asset or a digital representationof a physical product or asset. In some embodiments, the physicalproduct is consumable by a human being for recreational use. In someembodiments, the physical product is consumable by a human being formedicinal use. In some embodiments, the enterprise network is associatedwith at least one of an entity (e.g., a hotel, an airline, a restaurant,etc.). In some embodiments, the digital token does not comprise acryptocurrency, though in other embodiments, it might comprise acryptocurrency. In some embodiments, the digital token does not comprisea speculative token, though in other embodiments, it might comprise aspeculative token for trading on an exchange.

In one embodiment, a platform for e-transactions (e.g., e-commerce) anddata management is presented in this disclosure. The platform may allowefficient day-to-day transactions at lower operating costs usingproprietary reconciliation and data management between multipleentities. In some cases, the platform facilitates secure and transparentdata observance for regulators and other third parties monitoring one ormore transactions between the multiple entities. The multiple entitiesmay be one or more individuals, one or more organizations, or acombination thereof.

In some embodiments, the private ecosystem architecture of the platformhas significant benefits for high impact retail chains, healthcaresystems, government agencies, and large-scale project drivenenterprises. For retail chains, the platform lowers costs, enhancescustomer loyalty, and provides asset transfer solutions at very cheapprices as discussed below. For the healthcare systems, the platformprovides an integrated patient and provider data management system,payment, and clearing solutions. For the government agencies, theplatform improves efficiency and cost savings for project assessment andprocurement, licensing and payments, domestic and international aidmanagement, etc.

The reconciliation functions of the platform create a short cycleoperation and settlement (SCOS), dramatically lowering the time andeffort to clear, secure and reconcile a wide variety of data drivenfunctions. The platform also creates value add services utilizingartificial intelligence (AI) and machine learning (ML) using datagenerated from other applications integrated into the platform.

In one embodiment, the platform yields models that can simultaneouslywork together. These models include blockchain as a service (BaaS),transaction costs (e.g., fees), and data revenue. The platform uses tothe BaaS model to provide access to transactions, to scale transactions,and to distribute and predict the software as a service (SaaS) model.The platform uses the transaction fees model to calculate costsassociated with a transaction, and offer payment solutions for eachtransaction as needed. The platform also uses the data revenue model toengage the AI and ML tools of the platform to run analytics onuser/entity data associated with transactions.

Additionally, the platform can provide a closed loop transaction andasset transfer solution that allows entities to transmit and receiveassets. For instance, assets may comprise digital tokens, digitalcurrencies, digital sureties, etc., that entities transmit and receiveamong themselves. In some cases, the platform minimizes third-partyoperating costs as well as other charges associated with asset transfersin order to make asset transfers between entities profitable forstakeholders (e.g., platform providers). In some instances, the platformincludes a “know your customer” (KYC) and anti-asset laundering(AAL)(e.g., anti-money laundering) functionality for compliancepurposes. Some embodiments of the platform include a data analyticsfeature powered by an AI and/or an ML tool. Additionally, the platformmay streamline settlements to entities and integration into othersystems. Moreover, the platform executes operations in a manner thatdoes not require entities to change much in terms of their actions whenexecuting transactions.

In some implementations, the platform is based on blockchain technologythat is optimized for transactions between entities. In someembodiments, the optimized (or augmented) blockchain technology may bereferred to as speedchain technology. In one embodiment, the speedchaintechnology relies on a secured distributed ledger that recordstransactions between entities chronologically, permanently, andunalterably. Additionally, speedchain technology may leveragepre-established smart contracts between entities during transactionsbetween the entities. This beneficially negates the need to usetraditional database structures that are often reliant on human dataentry and security. Additionally, smart contracts can triggertransactions between entities based on a specific logic, and/or based onAI tools, and/or based on ML tools. All these ensure that recordsassociated with transactions between entities are immutable. Also, thespeedchain technology architecture ensures data redundancy andinformation transparency. Moreover, speedchain technology shortens thetime required to conduct transactions between entities by eliminatingintermediaries. In one embodiment, speedchain provides a data source oftruth with distribution and security through a knowable privateecosystem rather than the distributed anonymous organization employed inmost blockchain architectures.

Furthermore, speedchain technology can provide secure access to data forentities associated with the private ecosystem. In some instances,speedchain technology allows ease of transactions (e.g., commerce), dataentry consistency, and information sharing. As previously mentionedspeedchain technology leverages blockchain technology and integrationpoints to aggregate data. In some cases, speedchain technology creates aprotected transactional and custodial history, useable for AI andmachine learning. Further, speedchain can provide a single sourcetracking, a universal dashboard for observing transactions, improveperformance of the platform, and reduce costs.

As an example, a first entity may initiate a transaction (e.g., assettransfer, digital asset transfer, etc.) using an application associatedwith the platform and/or using a first physical location (e.g., store)associated with the platform. In the embodiment where the transaction isinitiated at a first physical location associated with the platform, thefirst entity may provide a first currency of transaction to a firstassociate at the first physical location. This first currency oftransaction may be, of example, a token, digital token, digitalsureties, or some other form of transferable asset (e.g., money). Thefirst associate then feeds relevant information associated with thetransaction to the platform. In the case of an application associatedwith the platform, the first entity may directly feed the platform withthe relevant information associated with the transaction. Relevantinformation associated with the transaction may include asset amount,location where transaction was initiated, identification data associatedwith the first entity, identification data associated with a secondentity to with which the first entity is conducting the transaction,location of the second entity, a transaction ID associated with thetransaction, a timestamp associated with the transaction, an IDassociated with the first associate if an application is not used, etc.The platform then processes the relevant information associated with thetransaction based on one or more features of speedchain technology. Forinstance, the platform may process the relevant information using theKYC and the AAL functionality as well as documenting the transaction. Inthe embodiment where the transaction comprises an asset transfer, theasset is made available to the second user either via an applicationassociated with the platform or via a second location associated withthe platform. In some cases, the second entity is notified about assetavailability once the platform processes the relevant information. Afterthe second entity acquires a transferred asset resulting from thetransaction, the platform verifies the completion of the transaction andrecords the completion of the transaction on the distributed ledger.

In one embodiment, the transaction involves an asset transfer requestand a receive request comprised in a three-step process. The first stepmay involve the first entity initiating, for example, an asset transferrequest. The identity of the first entity may be verified by the eitheran application associated with the platform or a first associateconnected to the platform. Responsive to verifying and confirming theright identity of the first entity, the asset transfer request issubmitted to speedchain aspects of the platform via a dedicatedintegration. The speedchain then administers KYC and/or AAL on thetransaction via a dedicated third party integration. In one embodiment,the platform includes a systemized blockchain reconciliation (SyBR)feature which initiates issuance of smart contracts between two or moreentities. For example, the SyBR aspect of the platform may transferassets from the platform based on the transaction between the firstentity and the second entity to the second entity. In some embodiments,the platform includes a RECON feature (which is further discussedbelow). This RECON feature may allow stakeholders (e.g., first entity,second entity, administrators of the platform, etc.) associated with thetransaction to view details associated with the asset transfer request.

At a second stage of the transaction, the speedchain aspects of theplatform may trigger or send notifications to the first entity and/orthe second entity about one or more assets resulting from thetransaction. This notification may be in the form of email, SMS, Push(mobile to mobile), phone call, etc.

At the third stage of the transaction, the second entity may initiate areceive request for an available asset resulting from the transaction. Asecond associate connected to the platform and/or another applicationassociated with the platform verifies the identity of the second entity.The receive request may be submitted to the speedchain aspect of theplatform via a dedicated integration. In one embodiment, the speedchainaspect of the platform administers a KYC and/or an AAL on the receiverequest via a dedicated third-party integration. In one embodiment, theSyBR aspect of the platform initiates transfer of the available assetfrom a platform account to the account of the second entity. In somecases, the RECON feature of the platform allows stakeholders associatedwith the transaction to view details associated with the receiverequest.

In order to prevent asset laundering and/or other illegal transaction onthe platform, the platform may execute compliance operations for itsadministrators (e.g., first associate connected to the platform, secondassociate connected to the platform, etc.). In one embodiment, theplatform implements a KYC policy and a know your associate (KYA) policyto ensure compliance with transaction laws. In some embodiments, theplatform implements training for its administrators. Additionally, thespeedchain aspects of the platform may include a watch list ofsuspicious transactions, and monitoring mechanisms that track a volume,and/or frequency, and/or velocity associated with certain transactions.Additionally, personalized data and analytics can be generated using theAI and/or ML features of the platform to analyze suspicioustransactions. Additionally, because of the omni-channel datadistribution inherent in some embodiments of the platform, tracking andmonitoring of transactions by all stakeholders is greatly simplified.

For regulatory purposes, the speedchain aspects of the platform canfacilitate avoiding transaction structuring by an associate connected tothe platform. By this is meant that the platform has built-in protocolsthat prevent an associate connected to the platform from knowinglyexecuting an illegal transaction. Moreover, the platform is designed toprohibit the repeat transfer of assets without drawing the attention ofstakeholders. Further, the platform is built, in some embodiments, toprohibit multiple reception of assets due to a suspicious transaction bythe same recipient (e.g., second entity) even when the recipient variesreceipt locations. In other embodiments, the platform includes a fraudalert and prevention system that notifies stakeholder in real-time orpseudo real-time of suspicious transactions occurring on the platform.

The platform in one embodiment includes a SyBR feature configured forparameterized blockchain data management. In some instances, the SyBRfeature allows preapproved stakeholders seamless access to data. Inother cases, the SyBR feature distributes data and enhances datasecurity on the platform. Moreover, the SyBR feature can preventunauthorized access to the platform. Additionally, the SyBR feature mayensure that the platform is AI and/or ML compatible.

In other embodiments, the platform includes a preselected issuance anddata operations loop (PAIDOL) feature. This feature of the platformdeals with asset ownership and transactional security on the platform.In one embodiment, the PAIDOL feature improves security on the platformby connecting issuance and custodial information to every transaction onthe platform. In some cases, the PAIDOL feature facilitates KYC and/orAAL compliance on the platform.

In some embodiments, the platform includes RECON Smart Contract (simplyreferred to as RECON) feature that manages smart contracts on theplatform. A smart contract may be a self-executing contract with termsof agreement between two or more entities on the platform directlywritten into lines of code. The code and the agreements containedtherein exist across the blockchain associated with the platform. In oneinstance, the RECON feature allows for permissioned functions and sidechains to capture and process transaction data. In some cases, the RECONfeature assists in data reporting and data transparency for stakeholders(e.g., first entity, second entity, platform administrator, regulators,etc.). Additionally, the RECON feature allows the platform to beintegrated into other enterprise applications or vice versa.

In other embodiments, the platform includes a combination of the SyBRfeature and the PAIDOL feature. In some cases the platform includes acombination of the SyBR feature and the RECON feature. In some cases theplatform includes a combination of the PAIDOL feature and the RECONfeature. In further embodiments the platform includes a combination ofthe SyBR feature, the PAIDOL feature, and the RECON feature.

In one embodiment, the platform optimized blockchain on which theplatform is based includes an independent blockchain network forexecuting transactions. It is appreciated that the transactionsdescribed do not include, in some embodiments, an initial coin offeringlike most cryptocurrencies.

In some embodiments, the platform may be adapted for transactionsbetween entities associated with a healthcare system. For instance, andas shown in FIG. 7, the platform may be communicatively coupled to agraphical user interface (GUI) 701 including a patient pricingdashboard, and/or a payment form for real-time or pseudo real-timepayments, and/or data personalization and analytics linked to the GUI,and/or an omni-channel access to data for stakeholders such as patients,doctors, and platform operators or administrators. The platform in thiscase may include a coding optimization process (COP) and a tokenizedrecon code smart-contract associated with the speedchain. In such cases,the COP may be based on an AI assisted key word to an InternationalClassification of Diseases (ICD).

Additionally, the platform may facilitate a short billing and settlementcycle for stakeholders such as patients. Moreover, the platform can alsoprovide dynamic staffing of healthcare providers using the AI and/or theML features of the platform. Further, the platform may enableinter-departmental integration of a plurality of departments associatedwith a given healthcare system.

TABLE 1 Key Differentiators MOX SmartContracts custom-designed pereco-system Yes Tokens backed by physical asset (FIAT currency) YesPermissioned blockchain Yes Network agnostic (Quorum, Eth, Hyperledgeretc) Yes Hybrid blockchain (Permissioned tx & Public tx) Yes Tokensairdropped by eco-system Yes Reconciliation Smart contract for dataanalysis Yes KYC for banks and participants Yes AML and Machine learningfraud detection Yes Financial reporting of reconciliation data YesTransactions are settled immediately on-chain Yes Immediate Clearing,reducing total transaction costs Yes API Integration support with tokenissuer Yes API integration for Mobile, Web/Web3 Yes Wallet basedtransaction support Yes Transaction Privacy (only visible to concernedparty) Yes Net positions support for all parties Yes Walletsupport/SMS/QR code support for users for efficient Yes e-commerce Dataanalysis support & ML for enhanced UX Yes Tradeable cryptocurrency (ICO)No Independent blockchain network No

In some embodiments, the platform integrates data from the ecosystem(e.g., the community of stakeholders) partners including ICD codes,pricing, and insurer information. In such embodiments, the platform mayreconcile data and populate one or more forms associated with GUI'sconnected to the platform. Moreover, the platform may monitor issuanceand activity associated with transactions performed on the platform. Insome cases, the platform processes patient data and can allow patientsto view, via a GUI, real-time costs at any point of diagnosis. Theplatform may also be tied to a copay on a dashboard communicativelycoupled to the GUI. Additionally, the GUI may allow the patient to viewall activity via an application or via an online web browser. It isappreciated that the embodiment of the platform related to healthcaresystems may include the SyBR feature, the PAIDOL feature, the RECONfeature, or a combination thereof.

By way of example, the platform can serve as a single point (e.g.,source) of truth for data associated with stakeholders. For example,while the platform can ensure that information from multiple providersare appropriately siloed as shown in FIG. 8, for example, the platformin some cases can be adapted to serve as a single point of informationas shown in FIG. 9 thus negating the need for having multiple siloeddata.

The benefits of the healthcare related embodiment of the platforminclude, among other things, more transparency for patients, easy to usefor patients and other stakeholders, cost awareness, multiple paymentoptions, wellness pricing, increased efficiency, cost reduction, dataintegration, patient retention, AI and ML functionality, predictiveanalytics, etc.

Table 1 above provides a summary of some of the features included in theplatform. The platform may be part of or integrated into one or moreecosystems or environments described herein. The last two rows of thetable indicate that the platform does not include tradablecryptocurrencies nor is the platform based on an independent blockchainnetwork.

In one embodiment, the platform facilitates process efficiency, processtransparency, and process accountability solutions for governmentagencies. For instance, government agencies may use the platform torestore tourism and recreational opportunities, address critical countyand municipal road repairs, rebuild local government infrastructure,rebuild education facilities and increase investment in schools (e.g.,K-12 schools), restore critical life-safety services to panhandlecommunities, and provide affordable housing for displaced families. Inaccomplishing all this, the platform may provide: data transparency tostakeholders; pricing awareness to stakeholders; AI and ML tools forproject optimization; project health or project status data tostakeholders; cross project integration; and cost reduction.

In one embodiment, the platform is used as a solution to address climateissues. More specifically, the platform can be used to provide asustainable development goal (SGD) that leads to performance improvementusing a blockchain ecosystem. In some embodiments, the performanceimprovements include new distribution capability (NDC) tracking,comparative effectiveness research (CER) and AAU data management,International transaction log monitoring, pre-Conference of the Parties25 (COP 25) advancements, better use cases for climate neutral nowinitiative, and better results through AI and ML usage.

To reiterate, the speedchain technology on which the platform is basedconfigured to set up private ecosystems for entities to conduct commercewith data components on both public and private blockchain environments.S.P.E.E.D. or Secure Private Ecosystems for Enterprise Deployment setsout to create private ecommerce environments that have more security,speed and lower cost than a traditional ecommerce platforms. Thetechnology components of speedchain include SyBR, and/or PAIDOL, and/orRECON Smart Contract, or a combination thereof. Members or entitieswithin the ecosystem can set up a unique private key that will allowthem to perform activity within the ecosystem. The members includecompany employees, customers, regulators, vendors etc.

SyBR's function include: setting pre-established rules of the road forconducting transactions within a certain ecosystem?; what functions(e.g., buying and selling, sending information, tracking a device, theparameters of activity (how much does something cost)) will be carriedout within the ecosystem?; what temperature does something have to bebefore sending an alert to a stakeholder?; how much is a limit for anasset transfer at a single location?; during what time frame or within acertain geography is an asset transfer allowed?; etc. Theseparameters/functions are included in: the issuance smart contract andare then repeated in the RECON smart contract which allows the reportingon the data operation carried out in the issuance contract. SyBR canalso launch both the issuance and RECON smart contract within thetechnology system of Speedchain.

Other details associated with SyBR include a parameterized blockchaindata management that: allows preapproved stakeholders seamless access todata; distributes data; enhances security on the platform; preventsunauthorized access to the platform; and that allows for AI/MLcapability.

The RECON smart contract is designed to either coexist with an issuancesmart contract or operate as a stand-alone smart contract. The purposeof the RECON smart contract is to utilize an additional set of privatekeys to a blockchain or a distributed ledger technology (DLT)transaction or communication with the purpose of extractingreconciliation information from the issuance contract and collecting thedata onto a side chain. The data is then used for reporting purposes.Managing the RECON Smart contract: allows for permissioned functions andside chains to capture and process transaction data; assists in the easeof use for reporting and transparency of data; and allows forIntegration into third party Enterprise Resource Planning (ERP)solutions.

PAIDOL is another major differentiator for speedchain versus otherblockchain solutions. For every member of an ecosystem, a preapprovedissuance ID is associated with the creation of their private key. It isimportant to note that speedchain does not have access to any member'sprivate key but it does associate a PAIDOL # associated with thecreation of the key to transactions. This identifier is then associatedwith all activity within the ecosystem. This concept is important as itrelates to: consent for the sharing of health records; tracking usagefor money transfers and AAL/KYC; quality assurance for accountingpersonnel; and Know Your Resident (KYR) information. In one embodiment,the KYR is a version of the KYC.

Moreover, the platform includes ownership and transactional securitythat improves security by connecting issuance and custodial informationto every transaction. The platform also assists in KYC/AAL compliance.In one embodiment, the platform comprises a hybrid ecosystem includingblockchain technology, speedchain technology, and an endpoint device.

It is appreciated that the processes executed in association with theplatform can be executed by a computing environment such as computingenvironment 600 shown in FIG. 6. More specifically, computingenvironment 600 can be used by the first entity to initiate atransaction (e.g., asset transfer) and can also be used by the secondentity to initiate a transaction (e.g., asset reception). Computingenvironment 600 can also be used by the provider associated with theplatform to execute the operation of the platform. In essence, computingenvironment 600 can be used anywhere in the network diagram of FIG. 6.The computing environment 600 may be integrated into one or morecomputing devices or apparatuses associated with FIG. 6 or any othercomputing devices or apparatuses or networks illustrated or describedherein.

Embodiments of this disclosure may provide a non-transitorycomputer-readable medium comprising computer-readable code configuredfor performing one or more operations or functions described herein. Insome embodiments, the apparatus may include a resource allocating system(e.g., in the processor or separate from the processor) for allocatingmemory and/or power resources among the various components of theapparatus.

The processor may control any of the other units in the apparatus,elements of those units, and/or functions performed by those units. Anyactions described herein as being performed by a processor may be takenby the processor alone and/or by the processor in conjunction with oneor more additional processors, units, subunits, elements, components,devices, and/or the like. Additionally, while only one processor may beshown in the figures, multiple processors may be present and/orotherwise included in the computing environment 600 (see FIG. 6). Thus,while instructions may be described as being executed by the processor(and/or various units of the processor), the instructions may beexecuted simultaneously, serially, and/or by one or multiple processorsin parallel.

In some embodiments, the processor may be implemented as one or morecomputer processor (CPU) chips and/or graphical processor (GPU) chipsand may include a hardware device capable of executing computerinstructions. The processor may execute instructions, codes, computerprograms, and/or scripts. The instructions, codes, computer programs,and/or scripts may be received from and/or stored in the memory, the I/Ounit, the network communication device, sub-units and/or elements of theaforementioned units, other devices and/or computing environments,and/or the like. As described herein, any unit and/or subunit (e.g.,element) of the computing environment and/or any other computingenvironment may be utilized to perform any operation. In someembodiments, the computing environment may not include a genericcomputing system, but instead may include a customized computing systemdesigned to perform the various methods described herein.

The memory may include random access memory (RAM), read only memory(ROM), and/or various forms of secondary storage. RAM may be used tostore volatile data and/or to store instructions that may be executed bythe processor. For example, the data stored may be a command, a currentoperating state or configuration of the apparatus, and/or the like. As afurther example, data stored in the memory may include instructionsrelated to various methods and/or functionalities described herein. ROMmay be a non-volatile memory device that may have a smaller memorycapacity than the memory capacity of a secondary storage. ROM may beused to store instructions and/or signals that may be read duringexecution of computer instructions. In some embodiments, access to bothRAM and ROM may be faster than access to secondary storage. Secondarystorage may be comprised of one or more disk drives and/or tape drivesand may be used for non-volatile storage of data or as an over-flow datastorage device if RAM is not large enough to hold all working data.Secondary storage may be used to store programs that may be loaded intoRAM when such programs are selected for execution. In some embodiments,the memory may include one or more databases for storing any datadescribed herein. Additionally or alternatively, one or more secondarydatabases located remotely from the computing environment may beutilized and/or accessed by the memory.

In some embodiments, the memory may be utilized for storing, recalling,receiving, transmitting, and/or accessing various instructions or dataduring operation of the apparatus. The memory may include various typesof data storage media such as solid state storage media, hard diskstorage media, and/or the like. The memory may include dedicatedhardware elements such as hard drives and/or servers, as well assoftware elements such as cloud-based storage drives. In someembodiments, the memory may include various units such as an operatingsystem unit (which may also be referred to as a control system unit), anapplication unit, and/or an application programming interface (API)unit.

The operating system unit may facilitate deployment, storage, access,execution, and/or utilization of an operating system utilized by thecomputing environment and/or any other computing environment describedherein. In some embodiments, the operating system may include varioushardware and/or software elements that serve as a structural frameworkfor enabling the processor to execute various operations describedherein. The operating system unit may further store various pieces ofinformation and/or data associated with operation of the operatingsystem and/or the computing environment as a whole, such as a status ofcomputing resources (e.g., processing power, memory availability,resource utilization, and/or the like), runtime information, modules todirect execution of operations described herein, user permissions,security credentials, and/or the like. The computing environment mayinclude, but is not limited to, computing grid systems, distributedcomputing environments, cloud computing environment, etc. Such networkedcomputing environments include hardware and software infrastructuresconfigured to form a virtual organization comprised of multipleresources which may be in geographically disperse locations.

The application unit may facilitate deployment, storage, access,execution, and/or utilization of an application utilized by thecomputing environment (e.g., associated with the apparatus). Forexample, users may be required to download, access, and/or otherwiseutilize a software application on the apparatus or a computing device incommunication with the apparatus in order for various operationsdescribed herein to be performed. Information included in theapplication unit may enable a user to execute various operationsdescribed herein. The application unit may further store various piecesof information associated with operation of the application and/or thecomputing environment as a whole, such as a status of computingresources (e.g., processing power, memory availability, resourceutilization, and/or the like), runtime information, modules to directexecution of operations described herein, user permissions, securitycredentials, and/or the like.

The API unit may facilitate deployment, storage, access, execution,and/or utilization of information associated with APIs of the computingenvironment. For example, computing environment may include one or moreAPIs for enabling various input systems, computing devices,applications, and/or computing environments to communicate with eachother and/or perform operations on data. Accordingly, the API unit mayinclude API databases comprising information that may be accessed and/orutilized by applications and/or operating systems of other devicesand/or computing environments. In some embodiments, each API databasemay be associated with a customized physical circuit included in thememory and/or the API unit.

The I/O unit may facilitate the receipt, transmission, processing,presentation, display, input, and/or output of data as a result ofexecuted processes described herein. In some embodiments, the I/O unitmay include a plurality of I/O units. In some embodiments, the I/O unitmay include one or more elements of a computing device, a server, and/ora similar device. The I/O unit may include a variety of elements thatenable a user to interface with the computing environment. For example,the I/O device may include a keyboard, a touchscreen, a touchscreensensor array, a mouse, a stylus, a button, a sensor, a depth sensor, atactile input element, a location sensor, a biometric scanner, a laser,a microphone, a camera, and/or another element for receiving and/orcollecting input from a user and/or information associated with the userand/or the user's environment. Additionally and/or alternatively, theI/O unit may include a display, a screen, a projector, a sensor, avibration mechanism, a light emitting diode (LED), a speaker, a radiofrequency identification (RFID) scanner, and/or another element forpresenting and/or otherwise outputting data to a user. In someembodiments, the I/O unit may communicate with one or more elements ofthe processor and/or the memory to execute operations described herein.

The network communication device may facilitate establishment,maintenance, monitoring, and/or termination of communications betweenthe computing environment (e.g., associated with the apparatus) andother devices such as other apparatuses, computing devices, othercomputing environments, server systems, and/or the like. The networkcommunication device may further enable communication between variouselements of the computing environment. In some embodiments, the networkcommunication device may include a network protocol unit, an APIgateway, and/or a communication device. The network communication devicemay include hardware and/or software elements.

The network protocol unit may facilitate establishment, maintenance,and/or termination of a communication connection between the computingenvironment (e.g., associated with the apparatus) and another device(e.g., associated with another apparatus or another computing device) byway of a network. For example, the network protocol unit may detectand/or define a communication protocol required by a particular networkand/or network type. Communication protocols utilized by the networkprotocol unit may include Wi-Fi protocols, Li-Fi protocols, cellulardata network protocols, Bluetooth® protocols, WiMAX protocols, Ethernetprotocols, powerline communication (PLC) protocols, Voice over InternetProtocol (VoIP), and/or the like. In some embodiments, facilitation ofcommunication between the computing environment and any other device, aswell as any element internal to the computing environment, may includetransforming and/or translating data from being compatible with a firstcommunication protocol to being compatible with a second communicationprotocol. In some embodiments, the network protocol unit may determineand/or monitor an amount of data traffic to consequently determine whichparticular network protocol is to be used for transmitting and/orreceiving data.

The API gateway may facilitate the enablement of the apparatus, or otherdevices and/or computing environments, to access the API unit of thememory unit of the computing environment (e.g., associated with theapparatus or other apparatuses or computing devices). For example, acomputing device may access the API unit via the API gateway. In someembodiments, the API gateway may be required to validate usercredentials associated with a user of a computing device prior toproviding access to the API unit to the user. The API gateway mayinclude instructions for enabling the computing environment tocommunicate with another device.

The communication device may include a variety of hardware and/orsoftware specifically purposed to enable communication between thecomputing environment and another device, as well as communicationbetween elements of the computing environment. In some embodiments, thecommunication device may include one or more radio transceivers, chips,analog front end (AFE) units, antennas, digital or analog processors,memory, other logic, and/or other components to implement communicationprotocols (wired or wireless) and related functionality for facilitatingcommunication between the computing environment and any other device.Additionally and/or alternatively, the communication device may includea modem, a modem bank, an Ethernet device such as a router or switch, auniversal serial bus (USB) interface device, a serial interface, a tokenring device, a fiber distributed data interface (FDDI) device, awireless local area network (WLAN) device and/or device component, aradio transceiver device such as code division multiple access (CDMA)device, a global system for mobile communications (GSM) radiotransceiver device, a universal mobile telecommunications system (UMTS)radio transceiver device, a long term evolution (LTE) radio transceiverdevice, a worldwide interoperability for microwave access (WiMAX)device, and/or another device used for communication purposes.

It is contemplated that the computing elements be provided according tothe structures disclosed herein may be included in integrated circuitsof any type to which their use commends them, such as ROMs, RAM (randomaccess memory), DRAM (dynamic RAM), and video RAM (VRAM), PROMs(programmable ROM), EPROM (erasable PROM), EEPROM (electrically erasablePROM), EAROM (electrically alterable ROM), caches, and other memories,and to microprocessors and microcomputers in all circuits including ALUs(arithmetic logic units), control decoders, stacks, registers,input/output (I/O) circuits, counters, general purpose microcomputers,RISC (reduced instruction set computing), CISC (complex instruction setcomputing) and VLIW (very long instruction word) processors, and toanalog integrated circuits such as digital to analog converters (DACs)and analog to digital converters (ADCs). ASICS, PLAs, PALs, gate arraysand specialized processors such as digital signal processors (DSP),graphics system processors (GSP), synchronous vector processors (SVP),and image system processors (ISP) all represent sites of application ofthe principles and structures disclosed herein.

This application claims the benefit of U.S. Provisional PatentApplication No. 62/786,202, titled “Asset-backed network token for usein a hybrid distributed ledger-based network ecosystem,” filed Dec. 28,2018, which is incorporated by reference herein in its entirety for allpurposes.

Implementation of any device or unit or element of any apparatus ordevice described herein is contemplated in discrete components or fullyintegrated circuits in silicon, gallium arsenide, or other electronicmaterials families, as well as in other technology-based forms andembodiments. It should be understood that various embodiments of theinvention can employ or be embodied in hardware, software, microcodedfirmware, or any combination thereof. When an embodiment is embodied, atleast in part, in software, the software may be stored in anon-volatile, machine-readable medium.

While various embodiments in accordance with the disclosed principleshave been described above, it should be understood that they have beenpresented by way of example only, and are not limiting. Thus, thebreadth and scope of the invention(s) should not be limited by any ofthe above-described exemplary embodiments, but should be defined only inaccordance with the claims and their equivalents issuing from thisdisclosure. Furthermore, the above advantages and features are providedin described embodiments, but shall not limit the application of suchissued claims to processes and structures accomplishing any or all ofthe above advantages. Any features or embodiments described herein maybe combined or integrated with any other features or embodimentsdescribed herein.

Additionally, the section headings herein are provided for consistencywith the suggestions under 37 C.F.R. 1.77 or otherwise to provideorganizational cues. These headings shall not limit or characterize theinvention(s) set out in any claims that may issue from this disclosure.Specifically and by way of example, although the headings refer to a“Technical Field,” such claims should not be limited by the languagechosen under this heading to describe the so-called technical field.Further, a description of a technology in the “Background” is not to beconstrued as an admission that technology is prior art to anyinvention(s) in this disclosure. Neither is the “Summary” to beconsidered as a characterization of the invention(s) set forth in issuedclaims. Furthermore, any reference in this disclosure to “invention” inthe singular should not be used to argue that there is only a singlepoint of novelty in this disclosure. Multiple inventions may be setforth according to the limitations of the multiple claims issuing fromthis disclosure, and such claims accordingly define the invention(s),and their equivalents, that are protected thereby. In all instances, thescope of such claims shall be considered on their own merits in light ofthis disclosure, but should not be constrained by the headings herein.

What is claimed is:
 1. A method for use in a blockchain network comprising an enterprise network and a reconciliation network, the method comprising: storing a first digital facilitator across a first distributed ledger; accessing, by at least one first computing system in the enterprise network, the first digital facilitator, wherein the first digital facilitator provides one or more parameters for initiating a first computing operation in the enterprise network, wherein an identifier is used for initiating the first computing operation in the enterprise network, wherein the first computing operation is a non-anonymously-initiated computing operation, and wherein the identifier is associated with and separate from a private key known only to a user associated with the initiation of the non-anonymously-initiated computing operation: initiating the first computing operation in the enterprise network; tracking data associated with the first computing operation using the identifier separate from the private key; updating the first distributed ledger based on the first computing operation; storing a second digital facilitator across the first distributed ledger or a second distributed ledger; accessing, by the at least one first computing system in the enterprise network or at least one second computing system in the reconciliation network, the second digital facilitator, wherein the second digital facilitator provides one or more second parameters for distributing the data associated with the first computing operation initiated in the enterprise network, or second data, associated with or based on the data, in the reconciliation network; distributing the data or the second data in the reconciliation network; and updating the first distributed ledger or the second distributed ledger based on the distributing the data or the second data, wherein the data or the second data is used in an artificially intelligent computing operation or a machine learning operation.
 2. The method of claim 1, wherein the first digital facilitator comprises an issuance digital facilitator or an issuance smart contract.
 3. The method of claim 1, wherein the second digital facilitator comprises a reconciliation digital facilitator or a reconciliation smart contract.
 4. The method of claim 1, wherein the one or more parameters comprises time-based parameters, geographical or network location-based parameters, identity-based parameters, or amount-based parameters.
 5. The method of claim 1, wherein the first computing operation comprises a digital token-based computing operation.
 6. The method of claim 1, wherein the first computing operation comprises an asset-transferring computing operation.
 7. The method of claim 1, wherein the data or the second data is at least one of recoverable, traceable, storable, or transmittable.
 8. The method of claim 1, wherein the identifier enables authorization for the initiation of the first computing operation in the enterprise network.
 9. The method of claim 1, wherein a recipient of the data or the second data in the reconciliation network is unable to initiate a second computing operation in the enterprise network.
 10. The method of claim 1, wherein the data or the second data is associated with a digital wallet.
 11. The method of claim 1, wherein the data or the second data comprises, is comprised in, or is based on a token, and wherein the token is associated with a physical or digital asset.
 12. The method of claim 1, wherein the data or the second data does not comprise a token.
 13. The method of claim 1, wherein the data or the second data comprises remittance data.
 14. The method of claim 1, wherein the one or more parameters associated with issuance or generation of the first digital facilitator is used for generating the identifier associated with and separate from the private key.
 15. The method of claim 1, wherein the private key is generated by the enterprise network when the user joins or accesses the blockchain network.
 16. A method for use in a blockchain network comprising an enterprise network and a reconciliation network, the method comprising: storing a first digital facilitator across a first distributed ledger; accessing, using one or more computing device processors, the first digital facilitator, wherein the first digital facilitator provides one or more parameters for executing a first computing operation in the enterprise network, wherein an identifier is used for executing the first computing operation in the enterprise network, wherein the first computing operation is a non-anonymously-initiated computing operation, and wherein the identifier is associated with and separate from a private key known to a user associated with the initiation of the non-anonymously-initiated computing operation; executing, using the one or more computing device processors, the first computing operation in the enterprise network; tracking data associated with the first computing operation using the identifier separate from the private key; updating the first distributed ledger based on the first computing operation; storing a second digital facilitator across the first distributed ledger or a second distributed ledger; accessing, using the one or more computing device processors, the second digital facilitator, wherein the second digital facilitator provides one or more second parameters for executing a second computing operation in the reconciliation network; executing, using the one or more computing device processors, the second computing operation in the reconciliation network, wherein the second computing operation is based on the data associated with the first computing operation in the enterprise network; and updating the first distributed ledger or the second distributed ledger based on the executing the second computing operation, wherein the data is used in an artificially intelligent computing operation or a machine learning operation.
 17. The method of claim 16, wherein the second computing operation comprises a data transmission or distribution operation, and wherein the identifier is generated by the blockchain network based on creation of the private key.
 18. One or more apparatuses for use in a blockchain network comprising an enterprise network and a reconciliation network, the one or more apparatuses comprising one or more computing device processors configured for: storing a first digital facilitator across a first distributed ledger; accessing the first digital facilitator, wherein the first digital facilitator provides one or more parameters for executing a first computing operation in the enterprise network, wherein an identifier is used for executing the first computing operation in the enterprise network, wherein the first computing operation is a non-anonymously initiated computing operation, and wherein the identifier is associated with and separate from a private key known to a user associated with the execution of the non-anonymously-initiated computing operation; executing the first computing operation in the enterprise network; tracking data associated with the first computing operation using the identifier separate from the private key; updating the first distributed ledger based on the first computing operation; storing a second digital facilitator across the first distributed ledger or a second distributed ledger; accessing the second digital facilitator, wherein the second digital facilitator provides one or more second parameters for executing a second computing operation in the reconciliation network; executing the second computing operation in the reconciliation network, wherein the second computing operation is based on the data associated with the first computing operation in the enterprise network; tracking second data associated with the second computing operation using the identifier separate from the private key; and updating the first distributed ledger or the second distributed ledger based on the executing the second computing operation, wherein the data or the second data is used in an artificially intelligent computing operation or a machine learning operation.
 19. The one or more apparatuses of claim 18, wherein the one or more computing device processors are located in at least two different geographical locations. 